Cruise to your dream destination with greater peace of mind
Whether you're cruising within Australia, in Europe or Asia, across the Pacific or around the world, consider cruise travel insurance. Then you can focus on everything your holiday has to offer, from stunning landscapes to new cultural experiences.
Compare our policies and choose the cover that suits your needs before embarking on your adventure.
Unlimited* overseas hospital & medical cover
Cover for reasonable overseas medical, hospital, dental and related expenses. Includes medical evacuation.
Cover during your cruise schedule
Consider covering yourself for cruising on your holiday and only pay for the days you're on board.
Your children & grandchildren covered at no extra cost
RAC Travel Insurance can cover your dependants at no extra cost.††Understanding your cover
24/7 emergency assistance
Emergency Assistance Team with a global network of doctors, nurses and logistical staff is available to help you 365 days per year.Severe weather events and natural disasters
Cover for most unforeseen events, such as floods, earthquakes, volcanic eruptions.^^Trip delays, interruptions and cancellations
Cover to help with some of the costs incurred, depending on your travel situation.^^Money and personal items
Cover for theft or loss of credit cards, cash, smartphone, tablet, camera, laptop, etc.^^Ski and winter sports cover (optional)
You can cruise and ski on the same holiday by adding optional cover for a range of recreational sports, including snowmobiling.^^New for old luggage replacement
Luggage replacement and luggage delay cover option.^^Choose the right cover for your cruise
When you add cruise cover to your travel insurance policy, it's important to choose the right option for your particular cruise.
This table only provides a summary of the policy benefits. For full details, please refer to the combined PDS/FSG and review each section for specific terms, conditions, exclusions, limits, and sub-limits, as well as any general exclusions that apply.
Compare our policies
Whether you’re venturing to glacial landscapes or relaxing in warmer climates, we have a range of insurance options to choose from.
| International Comprehensive .this is the choice. | International Essentials | Medical Only | |||
|---|---|---|---|---|---|
| (per Adult) | (per Adult) | (per Adult) | |||
| Cancellation Fees & Lost Deposits (Unforseen Circumstances) | |||||
| Cancellation Fees & Lost Deposits (Unforseen Circumstances) | $Choice of limit | $Choice of limit | Not Covered | ||
| Overseas Medical and Hospital | |||||
| Overseas Medical and Hospital | $unlimited* | $unlimited* | $unlimited* | ||
| Cash in hospital Sub-Limits apply | |||||
| Cash in hospital Sub-Limits apply | $6,000~ | $3,500~ | $1,500~ | ||
| Overseas Dental Sub-Limits apply | |||||
| Overseas Dental Sub-Limits apply | $unlimited* | $2,000 | $500 | ||
| Funeral Expenses Overseas Sub-Limits apply | |||||
| Funeral Expenses Overseas Sub-Limits apply | $20,000** | $15,000** | $10,000** | ||
| Luggage | |||||
| Luggage | $15,000 | $7,500 | $2,000 | ||
| Travel Documents Sub-Limits apply | |||||
| Travel Documents Sub-Limits apply | $5,000 | $1,500 | Not Covered | ||
| Luggage Delay Sub-Limits apply | |||||
| Luggage Delay Sub-Limits apply | $750 | $500 | Not Covered | ||
| Personal Money Sub-Limits apply | |||||
| Personal Money Sub-Limits apply | $500 | $250 | Not Covered | ||
| Emergency Expenses | |||||
| Emergency Expenses | $unlimited* | $25,000 | $5,000 | ||
| Accidental Death | |||||
| Accidental Death | $25,000** | $15,000** | Not Covered | ||
| Accidental Disability | |||||
| Accidental Disability | $25,000** | $15,000** | Not Covered | ||
| Your Legal Liability | |||||
| Your Legal Liability | $10,000,000 | $10,000,000 | $10,000,000 | ||
| Rental Car Excess | |||||
| Rental Car Excess | $8,000^ | $4,000^ | Not Covered | ||
| Loss of Income From Injury | |||||
| Loss of Income From Injury | $10,400 | $5,200 | Not Covered | ||
| Financial Default | |||||
| Financial Default | $10,000 | Not Covered+ | Not Covered | ||
| Travel Agent Fees Sub-Limits apply | |||||
| Travel Agent Fees Sub-Limits apply | $4,000 | $2,000 | Not Covered | ||
| Domestic Pets | |||||
| Domestic Pets | $650^~ | Not Covered | Not Covered | ||
| Domestic Services | |||||
| Domestic Services | $1,500^~ | Not Covered | Not Covered | ||
| Travel Delay | |||||
| Travel Delay | $3,000~ | $1,500~ | Not Covered | ||
| Hijack and Kidnap | |||||
| Hijack and Kidnap | $10,000**~ | $5,000**~ | Not Covered | ||
| Ski and Winter Sports Optional cover | |||||
| Ski and Winter Sports Overseas Medical and Hospital | |||||
| Ski and Winter Sports Overseas Medical and Hospital | $unlimited* | $unlimited* | Not Covered | ||
| Cash in hospital Sub-Limits apply | |||||
| Cash in hospital Sub-Limits apply | $6000~ | $3,500~ | Not Covered | ||
| Overseas Dental Sub-Limits apply | |||||
| Overseas Dental Sub-Limits apply | $unlimited* | $2,000 | Not Covered | ||
| Funeral Expenses Overseas Sub-Limits apply | |||||
| Funeral Expenses Overseas Sub-Limits apply | $20,000** | $15,000** | Not Covered | ||
| Equipment hire | |||||
| Equipment hire | $2,000^ | $1,000^ | Not Covered | ||
| Ski pack | |||||
| Ski pack | $1,000^ | $500^ | Not Covered | ||
| Piste Closure | |||||
| Piste Closure | $1,000^~ | $500^~ | Not Covered | ||
| Bad Weather and Avalanche | |||||
| Bad Weather and Avalanche | $1,000^ | $500^ | Not Covered | ||
| Lift Pass | |||||
| Lift Pass | $500 | $250 | Not Covered | ||
| Cruise Benefits Optional cover | |||||
| Cabin Confinement | |||||
| Cabin Confinement | $1,500~ | $1,500~ | Not Covered | ||
| Missed Port | |||||
| Missed Port | $150 | $150 | Not Covered | ||
| Missed Shore Excursion | |||||
| Missed Shore Excursion | $1,500 | $1,500 | Not Covered | ||
| Marine Rescue Diversion | |||||
| Marine Rescue Diversion | $500~ | $500~ | Not Covered | ||
| Get a quote Quote | Get a quote Quote | Get a quote Quote | |||
Reasons to consider RAC cruise travel insurance
21-day cooling off period
Cancel within 21 days of purchase to get a full refund, as long as you haven’t started your trip, haven’t made a claim and don’t intend to make a claim or exercise any other rights under your policy.Get your quote today
Get an online quote
It's quick and easy to buy your cruise travel insurance online.
If you have a pre-existing condition, simply use our online medical assessment tool to find out if your condition can be covered.
Speak to a team member
Get a quote from one of our travel insurance consultants in person or by phone.
Frequently asked questions
This section only provides a summary of the policy benefits. Review each section of the combined PDS/FSG for terms, conditions, exclusions, limits, sub-limits, and any general exclusions that apply.
Cover is available for persons up to 110 years of age for Single Trip policies and up to 75 years of age for the Annual Multi-Trip policy provided that:
- You either:
- are an Australian citizen or permanent resident of Australia; or
- hold a current Australian visa - but not a tourist, study or working holiday visa - that will remain valid beyond the period of your return from your trip, and you also hold a return ticket back to Australia (for International plans), a valid Australian Medicare card and have a primary place of residence in Australia;
- you purchase your policy before your trip; and
- for international cover, your trip begins and ends in Australia, and for domestic cover, your trip is wholly within Australia.
If you have a Medical Condition that is not automatically covered and you want cover for this Medical Condition, you will need to complete the online medical assessment so that an assessment can be made on whether:
- the Medical Condition can be covered – in which case an additional Premium may be payable and the Medical Condition will be listed on Your Certificate of Insurance; or
- the Medical Condition cannot be covered – in which case, the Medical Condition that has not been accepted will be listed on your Certificate of Insurance.
Please also read the General Exclusions which apply in addition to any specific criteria and limitations related to medical conditions.
You can complete the online medical assessment as part of your travel insurance quote at rac.com.au/travelinsurance, call 1300 655 179 or visit an RAC travel centre for additional assistance.
This is an online set of medical questions (assessment) which you will need to complete if you wish to apply for travel insurance but have Medical Conditions which are not automatically covered under the policy, and you want cover for these medical conditions. You can complete this as part of your travel insurance quote at rac.com.au/travelinsurance, call 1300 655 179 or visit an RAC travel centre for additional assistance. Upon completion of this assessment, you will be informed if the Medical Condition(s) is covered and any additional premium payable.
You can add an unlimited number of dependants to your policy.
Dependant means any one or more of your children, stepchildren, foster children or grandchildren who are:
- aged 25 years or under at the time you buy your policy; and
- financially dependent on their parents or grandparents and not working full time; and
- travelling with you for your entire trip; and
- listed on the Certificate of Insurance as your Dependant.
Your dependants are included under your cover at no extra cost as long as they do not have any medical conditions that require assessment for cover consideration, as additional medical conditions cover may require an additional premium to be paid. If you choose the Cruise option, your dependants will be covered under the option as well.
If you have omitted to list your dependants, please contact us as soon as possible.
While cruise ships have doctors onboard, they may not be registered to practise in Australia. This means that medical evacuation and medical costs incurred while onboard may not be covered by Medicare.
Any medical treatment received on Australian shores is not covered by your cruise insurance policy, as it's covered by Medicare. If you're not enrolled in Medicare, you may need to pay for these expenses out of pocket.
The price of your cruise insurance policy depends on many factors, including your destination, duration and the level of cover you choose.
RAC members save 15% on all travel insurance policies, including those with added cruise cover.
Cover is provided for river cruising and ocean cruising regardless of whether you are cruising overseas or within Australia. A number of options are available subject to the terms, conditions and exclusions in the policy.
The definition of Cruise means an ocean voyage on a commercially operated vessel for more than one night. If you are travelling for one night or you are on a river cruise, you will automatically be covered under the policy without selecting the Cruise Option.
The policy cannot cover any medical expenses within Australia, so please check carefully if there are medical facilities onboard, and if so, whether Medicare applies.
3. Going on an Ocean Cruise – International
The definition of Cruise means an ocean voyage on a commercially operated vessel for more than one night. If you are travelling for one night or you are on a river cruise, you will automatically be covered under the policy without selecting the Cruise Option.
Some cruise lines require you to provide travel insurance details, meaning you need to buy cruise cover before your departure. Check your cruise line's policies to see if you'll need to do this.
Even if it isn't required by your cruise line, you might consider taking out cruise cover soon after booking.
Certain policies can cover cancellation, lost deposits and financial default from the date of purchase, giving you added peace of mind as you plan your trip. All other benefits begin on the trip start date you provided when buying your policy.
$Unlimited* or unlimited* means there is no cap on the maximum dollar amount which may be paid out for this benefit, noting that how much is payable for a benefit depends on the specific cover in the relevant section of the Policy Wording and any applicable exclusions. Medical, hospital, dental or any ancillary benefits or expenses incurred more than 12 months from the time treatment for the injury or illness was first received will not be covered. Terms, conditions (including eligibility criteria), limits, sub-limits and exclusions apply. Refer to combined PDS/FSG for full details.
†† Dependant means any of your children, stepchildren, foster children or grandchildren who are 25 years of age or under at the time you purchase your policy, financially dependent on their parents or grandparents, not working full time, travelling with you for your entire trip and listed on the Certificate of Insurance as your Dependant. Dependants can be covered at no extra cost if they have not disclosed any medical conditions requiring assessment. Terms, conditions, exclusions, limits and sub-limits apply. Refer to PDS for full details.
# Member discount applies to the premium payable (excluding GST, stamp duty and any other taxes). Offer can be withdrawn/amended at any time without notice.
^^ Terms, conditions (including eligibility criteria), limits, sub-limits and exclusions apply. Refer to combined PDS/FSG for full details.
R.A.C. Travel Services Pty. Limited (ABN 17 009 164 176, AR No. 228577) (RAC) is an authorised representative of the RAC Travel Insurance insurer Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548) (Tokio Marine). Tokio Marine Management (Australasia) Pty Ltd (ABN 69 001 488 455, AR No. 1313066) is an authorised representative of Tokio Marine, and administers RAC Travel Insurance as the managing agent on behalf of Tokio Marine.
Terms, conditions (including eligibility criteria), exclusions, limits and sub-limits apply. Any advice is general advice only, and does not take into account your specific objectives, financial situation or needs. Before you purchase, please consider the Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) and Target Market Determinations (TMDs) available on RAC’s website, or on request from RAC.